My Crib's Blog


Suggested keywords:
  • Location

  • Buy

  • Rent

  • Loan

  • Price

  • Trend

  • Analysis

Unlocking Homeownership: Navigating Malaysia's Affordable Housing Schemes in 2023

  • Share this:

The 2023 budget in Malaysia focuses on affordable housing, with incentives and diverse schemes aimed at enhancing homeownership and living conditions for all citizens.

Housing remains a pivotal issue in Malaysia, with the government continually introducing and refining various housing schemes to cater to the needs of its diverse population. In this executive summary, we explore the key housing initiatives in Malaysia, focusing primarily on the 2023 Budget and various affordable home schemes available to Malaysians.

The 2023 Budget outlined several important measures to address housing affordability and quality in Malaysia. A significant portion of these initiatives is aimed at promoting homeownership and ensuring the habitability of public housing.

Stamp Duty Exemption: The government has extended full stamp duty exemptions for first-time homebuyers and for those purchasing a home valued below RM500,000 until 2025. A 75% exemption has been provided for properties worth above RM500,000 to RM1 million until the end of 2023. This measure is designed to encourage homeownership among Malaysians​1.

Housing Credit Guarantee Scheme (HCGS): The HCGS is expected to guarantee home financing up to RM5 billion, benefiting approximately 20,000 borrowers in 2023. This initiative is aimed at individuals who are financially disadvantaged, thus promoting inclusivity in homeownership​​.

Rumah Mesra Rakyat Program: Under this program, RM358 million has been allocated to construct 4,250 affordable housing units. This measure is facilitated by Syarikat Perumahan Negara Berhad (SPNB)​​.

HDAS (Skim Bantuan Deposit Perumahan Sarawak): a program by the Sarawak State Government to help first-time home buyers with their down payment. The program provides a maximum of RM10,000 towards the deposit for buying or building a residential home.

Maybank HouzKEY: a rent-to-own scheme offered by Maybank. Under HouzKEY, homebuyers get to enjoy 100% financing (no down payment is required), no payment during the construction period, and the lowest monthly payment.

Next, we delve into the various affordable housing schemes that Malaysians can apply for:

View our properties to rent

Affordable Housing Schemes

Perumahan Rakyat 1Malaysia (PR1MA): This program is open to all Malaysians aged 21 or above. Applicants must have a total income of between RM2,500 and RM15,000 and can apply for a PR1MA unit as a second home. The property price ranges from RM100k to RM400k​​.

Basic Requirements and Criteria for PR1MA Housing Application

  • Malaysian citizen
  • Single or married and aged 21 years and above
  • Individual or family (husband and wife) with an average monthly household income between RM2,500 – RM15,000
  • Applicant or spouse does not own more than one property
  • Follow additional guidelines set by PR1MA

PR1MA Online Application To apply to become a PR1MA homeowner, please follow the application steps on the official PR1MA website:

  • Click on the following link: Guidelines for PR1MA Application
  • If the applicant meets the basic requirements and criteria, they can register for a PR1MA account by clicking on the following link: PR1MA Account Registration
  • Registering for a PR1MA account is to obtain a User ID and password
  • Once you have successfully obtained a User ID and password, you can access the online application form system to fill in and complete as well as upload the required documents
  • Please log in to the system using the User ID and password that you have registered at the following link:


Residensi Wilayah: Previously known as RUMAWIP, this scheme is for low and middle-income Malaysians born, working or residing in Labuan, Putrajaya, and Kuala Lumpur. The property price goes up to RM300k, with a monthly household income cap of RM10,000 for singles and RM15,000 for couples​​.

Eligibility criteria for the Residensi Wilayah programme

  • Applicant must be Malaysian citizen, 21 years old and above.
  • Born, work and/or live in any of the Federal Territories
  • Single individual applicant:Household gross income no more than RM10,000 per month
  • Married couples applicant: Household income no more than than RM15,000 per month


Malaysia Civil Servants Housing Programme (PPAM): This low-cost housing scheme is for government employees or civil servants. The property price ranges from RM90k to RM300k, with a monthly household income cap of up to RM10,000​​.

To be eligible for the PPAM program, an applicant must be a civil servant working in the Federal Government, a State Government or Authority, a Local Authority, or a Federal or State Statutory Body. In addition to this requirement, the applicant must also meet the following criteria:

  • Be a Malaysian citizen and reside in Malaysia
  • Have a monthly income of RM10,000 or lower
  • Be stationed for work in or near the housing area applied for
  • Still be in the workforce or be a retiree with a pension
  • Not be declared bankrupt
  • Not already own a government housing unit in the same area applied for

First-time homeowners are given priority in the application process.

In order to qualify for the PPAM scheme, properties must meet certain regulations. These include:

  • The buyer must not rent out their home after acquiring it.
  • The property cannot be sold for the first ten years, except to the next of kin. If the buyer wishes to resell their unit before the ten-year period is over, they must first obtain permission from the Government.
  • A 2% deposit must be paid upon signing the Sales and Purchase Agreement (SPA).
  • Once an offer is confirmed, the unit sold to the buyer cannot be changed.
  • Buyers have up to two months to secure their financing once an offer is made.


Rumah Selangorku: This affordable housing program is for low- and medium-income families living in Selangor. The property price ranges from RM42k to RM250k, with a monthly household income cap of up to RM10,000​.

Eligibility Requirements for Rumah Selangorku:

  • Must be over 18 years old
  • Applicant must be a Malaysian citizen
  • Applicant must reside in Selangor
  • Must not have previously owned property
  • Maximum household income of RM10,000
  • Only 1 Rumah Selangorku application per household
  • Single applicants with dependents may apply

How to Apply for Rumah Selangorku: The application form for this scheme can be obtained through the website

For Senior Citizen and Disabled Person (OKU) applicants, assistance with registration can be obtained at the ADUN Office / Developer / Family Member nearest to your residence.

Please visit the website

People’s Housing Projects (PPR): The government plans to allocate RM367 million towards PPRs, which will provide homes for 12,400 citizens. Additionally, free internet access will be provided at 56 selected PPRs for the benefit of the local community. A RM50 million allocation has also been set aside for PPR maintenance and repairs, with a priority to replace dilapidated elevators​​.

2 Categories of PPR Houses PPR houses consist of 2 categories:

  • PPR for Rent The PPR for Rent program was introduced in February 2002 with the aim of being rented to the target group (low-income and squatter groups) at a rate of RM124.00 per month.
  • PPR for Ownership The government also implemented PPR for Ownership with the aim of allowing low-income groups to have the opportunity to own their own homes. PPR for Ownership houses are sold at a price of RM 35,000.00 per unit in Peninsular Malaysia and RM42,000 per unit in Sabah and Sarawak.

PPR Housing Application Requirements The requirements for the People’s Housing Program are as follows:

  • Malaysian citizen
  • Aged 18 years and above
  • Household income below RM 3,000.00 per month
  • Applicant does not already own a home
  • Follow additional requirements set by the state government

How to Apply 

  • The application process is carried out by the State Government/Housing Board/Local Authority concerned.
  • Applicants can obtain information manually by contacting the Planning & Development Division of PPR Projects in each state at Portal Rasmi Jabatan Perumahan Negara (
  • For online applications, applicants can apply for PPR Housing through the National Housing Management System (SPRN) on the TEDUH portal at


Rumah Mampu Milik Johor (RMMJ): an affordable housing program provided by the Johor state government under the Affordable Housing Project. Its main purpose is to offer a scheme that can help low-income households (B40) residing in the state. Applying for any RMMJ house under the Johor state government is now very easy, as everything can be done online through the e-Rumah Johor website.

Prices of 5 RMMJ Categories 2021 Affordable Housing A (RMB A) RM42,000 Affordable Housing B (RMB B) RM80,000 Affordable Housing C (RMB C) RM150,000 Affordable Housing D (RMB D) RM250,000 – RM300,000 Moderate Cost Shop (KKS) RM200,000

You just need to make sure that you are eligible first before applying and choosing a housing project that suits your eligibility.

What are the Eligibility Requirements for Application? Depending on whether you want to apply for Affordable Housing or Bumiputera Lot, or the People’s Housing Program, all three schemes have certain eligibility requirements. So, check first if you meet all these requirements before applying:

Johor Affordable Housing (RMB)

  • Malaysian citizen, aged 18 years and above
  • Residing in Johor for 10 years
  • Not exceeding the household income limit:
    • RMB A – RM4,000
    • RMB B – RM6,000
    • RMB C – RM8,000
    • RMB D – RM10,000
    • KKS – RM13,000
  • Married / single can apply
  • Only ONE application for husband / wife couple
  • Second and subsequent wife applications must use the wife’s name as the applicant
  • Applicant / spouse who has owned RKR for 10 years or more is eligible to apply for a second home (RMB B)
  • Only ONE ownership of Moderate Cost Shop (KKS) in Johor
  • Applicant / spouse who owns Moderate Cost House / Affordable House / House NOT ELIGIBLE to apply
  • Applicant / spouse who owns RKR / RKSR / PKJA / PKJB can apply for RMB C and RMB D
  • The VALID period for house registration is TWO YEARS from the date of registration  


Checkout How to Score the Best Auction Houses in Malaysia

The Malaysian Government has shown dedication to ensuring affordable housing options are available for all citizens, regardless of their income level or professional status. From tax incentives to housing programs targeting specific groups such as civil servants or first-time homebuyers, these initiatives are designed to encourage homeownership and improve the quality of life for Malaysians. It is recommended for potential homeowners to review the eligibility requirements and benefits of each scheme to identify the one best suited to their situation.

It's also noteworthy that the government has allocated substantial funds for the maintenance and upgrade of existing public housing units, ensuring they remain safe and habitable. In addition, initiatives like the provision of free internet at selected PPRs and the efforts to unlock the value of Wakaf assets further demonstrate the government's commitment to improving the living conditions of its citizens.

While the government has made significant strides in promoting affordable housing, it is essential to continue monitoring the implementation and impact of these initiatives to ensure they meet the needs of the target populations effectively.

This summary provides a comprehensive overview of the housing schemes currently available in Malaysia. However, given the dynamic nature of housing policies and the ongoing efforts to address housing affordability issues, it is advised to regularly review updates from official government resources for the most accurate and current information.

Category: House Hunting